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PODCAST

The Jesse Mecham Show

Money shouldn"t be this hard - and it isn"t! Join YNAB founder Jesse Mecham each week as he dives into spendfulness, a mindset that will help you stop second-guessing, spend more confidently, and live the life you want.

education

All Episodes

05:43

When Is Your Age of Money Enough?

The Jesse Mecham Show ·

2022/10/24

Killian, a YNAB 4 user, asks about Rule Four and the "age of money" metric. How long should you age your money before you can relax a bit and not budget so stringently? Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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04:23

Rule Three Happens BEFORE Spending, Not After

The Jesse Mecham Show ·

2022/10/17

Jesse drops a reminder that Rule Three, when properly implemented, happens before you spend the money on that unexpected expense -- not after! Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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29:16

EP 18 Money Stories: Surviving Financial Abuse with...

The Jesse Mecham Show ·

2022/10/10

Jesse talks with domestic abuse survivor and now advocate, Dr. Kerry Roarke. Despite a successful career in pharmacy, Kerry found herself stuck in an increasingly abusive marriage, with very little say or power over how she spent or saved money. Since leaving that relationship and righting her financial ship, Kerry has volunteered to help other women find shelter and safety from domestic abuse, and identify the red flags that signal abusive relationships. Without access to money, women have few

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05:43

Ask Jesse: Is All Money Just Savings?

The Jesse Mecham Show ·

2022/10/03

A listener, Tom, writes into the show to express some confusion over what constitutes "savings" in a budget following the YNAB method. During a call with his bank to discuss refinancing, Tom was asked how much savings he had on hand, a question which dumbfounded him. Technically, everything in the budget is savings, he reasoned, since every dollar had been subjected to Rule One, and was sitting in categories to be spent sooner or later. So... is all money just savings in that case? Jesse offers a

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37:09

Budgeting for 8 Weeks Abroad with Chrissy Sebald

The Jesse Mecham Show ·

2022/09/26

Jesse invites YNAB Senior Support Manager Chrissy Sebald to the podcast to talk about her budgeting super skill -- saving for frequent travel with her family of six! And not just travel in and around the States. Chrissy has used YNAB to help her budget for two months of travel abroad with her family, on a middle class income. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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24:43

EP 17 Money Stories: Living Debt Free in Manhattan,...

The Jesse Mecham Show ·

2022/09/19

In today's installment of Money Stories, Jesse talks with YNAB Ambassador Christopher Campbell, a 33-year old marketing director living in Portland, ME. Christopher learned the value of budgeting from an early age, when his mother taught him and his siblings how to put aside money for things they wanted. She led by example, too, always setting aside money for Christmas and birthdays, for emergencies or unexpected expenses, on a middle class income. Looking to build on the budgeting habits

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41:07

Simple Investing with Jeremy Schneider of Personal...

The Jesse Mecham Show ·

2022/09/12

Jesse invites entrepreneur and avid YNAB'er Jeremy Schneider on to the show to help de-mystify investing for YNAB'ers looking to get started. Jeremy built the successful internet startup RentLinx, sold the company in 2015, and retired a couple years after at the age of 36. Jeremy then spent two years playing video games, traveling, coaching beach volleyball, and learning about what to do with all of his money. When the pandemic hit, he needed something to fill his time, so he decided to build a

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48:25

Breaking Down Student Loan Forgiveness with Ben the...

The Jesse Mecham Show ·

2022/09/05

Jesse chats with Ben, a YNAB employee and "The Dollar Scholar" on TikTok, where he educates college students and grads on the intricacies of student loans. Ben walks through the recently announced student loan forgiveness program, how much debt can be forgiven for students or graduates with Pell grants and with traditional Federal student loans, and some of the forthcoming changes to income-based repayment plans. Ben also reminds us that not all the details of the plan have been worked out yet,

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13:46

Nail Back to School with the Four Rules

The Jesse Mecham Show ·

2022/08/29

School is back in session, and it's a good time to tune up the budget. Want to really nail it this year? Go back to the Four Rules, Jesse says, and simplify. Now is the time to close those extra bank accounts, the multiple credit cards, the three different brokerage accounts. Budgeting is all about helping you make better decisions, after all, and simplifying helps you do that too. Did you YNAB is FREE for college students? Sign up here: https://www.youneedabudget.com/college/ Got a question for

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10:13

Ask Jesse: What Should You Do with a Life-changing...

The Jesse Mecham Show ·

2022/08/22

A listener writes the show to ask: what should he and his family do with a life-changing windfall? The listener has a mortgage, and a HELOC, and some savings goals such as saving for his kids' college education. The windfall amount is enough to payoff all these things, and in addition he has recently earned a large raise. While the windfall is a huge gift, he wants to be calm, reasonable, and disciplined with allocating it towards the family's financial goals. Jesse helps walk through the problem,

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05:55

Lessons from the Bookshelf: What Jesse Has Been...

The Jesse Mecham Show ·

2022/08/15

Jesse shares a few book titles he has been working through lately, and how the lessons from Jocko's Exteme Ownership have been working their way through the Mecham household and YNAB. It's not all business books this time! Topics range from leadership to the history of money to science fiction. Extreme Ownership by Jocko Willink

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04:45

Ask Jesse: So You Just Started Your First Real Job...

The Jesse Mecham Show ·

2022/08/08

A listener writes Jesse to ask what he should do with his first real job and first real paycheck -- pay off debt, or start investing? This is a popular question with a few answers, and in Jesse's mind, the answers are all valid! What matters most is where you picture your life five years from now, whether you are happy with that picture, and whether your current trajectory is going to get you there. Some people get a lot of satisfaction from having a big nest egg, even while carrying debt. Others

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05:41

That Magical Moment (When You Really Want Something)

The Jesse Mecham Show ·

2022/08/01

There's a moment that happens when you run across something you really want -- it's like an itch that wants you to whip out the credit card and scratch it! In these moments, we're probably not very clear on our priorities and Rule One, so Jesse reminds us that the budget is the thing that helps us answer the question: can I afford this? Am I going to be OK after I buy this? And the budget answers those questions for you by bringing clarity to your priorities and the jobs you have assigned to your

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08:55

Ask Jesse: Kids, Allowances, and Cringey Purchases

The Jesse Mecham Show ·

2022/07/25

Hillary writes into the show to ask: when you started giving an allowance to your kids, what things did they buy that made you cringe? Hillary is starting the YNAB allowance strategy for her kids, aged 16, 15, and 12, and is wondering how to teach them to spend the money responsibly. Jesse offers his experiences with his own kids, and some of the money lessons he has watched them learn in their own life. Want to ask Jesse a question? Send him an email at: askjesse@ynab.com Sign up for a free

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53:25

Budgeting for the Nomadic Life

The Jesse Mecham Show ·

2022/07/18

Jesse chats with a number of YNAB employees who are living, or working towards living, a "nomadic" life -- living and working across the US in a variety of places throughout the year. While this type of lifestyle can create some amazing freedoms (Megan, for instance, arranges her work schedule so that she can spend her mornings skiing during the winter), it also requires a lot of careful planning! That's where YNAB comes in. Maintaining a trailer, motorhome, or RV and handling the costs of living

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07:35

Ask Jesse: What's the Deal with Whole Life Insurance?

The Jesse Mecham Show ·

2022/07/11

A listener writes into the show to ask about whole life insurance and whether it's worth it for a young couple in their 30's. As always, it depends! Whole life policies typically come with big fees, which of course insurance companies and salesmen like. Jesse points out that the policies can work for some people in high marginal tax brackets, however the tax savings must be carefully weighed against the earnings you could have made by simply investing in low-cost, diversified index funds and

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14:52

Debt and Pay Later Plans: An Independence Day Rant

The Jesse Mecham Show ·

2022/07/04

Happy Fourth of July to the American YNAB'ers out there! Following Apple's recent announcement of their "Apple Pay Later" plan, in which customers can split the cost of purchases over multiple installments using Apple Pay, Jesse rants about the state of financing among successful companies. As he has noted before, nearly all successful companies eventually become finance companies, and Apple is no exception. Buy now, pay later (BNPL) plans may be good for Apple's bottom line, but they are bad

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12:58

What If Your Coworkers Weren't Stressed About Money?

The Jesse Mecham Show ·

2022/06/27

It's no surprise, but employees carry their money stress into work with them. And that stress not only affects their performance at work, it affects their happiness and, by extension, increases turnover. Jesse shares results from a survey of over 3,000 YNAB'ers in the US who work full-time jobs in a variety of age ranges and income levels. YNAB found that only 24% of YNAB users experienced financial distress over the past two years of pandemic-fueled chaos -- pretty amazing compared to a broader

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04:16

Ask Jesse: How Do You Move On... From Budgeting?

The Jesse Mecham Show ·

2022/06/20

Britney writes into the show to ask, as a long time fan and follower of various personal finance resources, what should she do now that her family's budget is pretty much dialed in? How can she avoid constantly looking at the app to check that the budget is still working? Jesse reminds us that budgeting should, eventually, become boring for everyone. It may not be the goal, but it's at least a hallmark of a succesful budgeting practice! After that, maybe it's time to find a new hobby...

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04:58

Mid-Year Check In: Are You Still Clear On Things?

The Jesse Mecham Show ·

2022/06/13

It's right about the mid-point of the year... how's your budget doing? Are you still clear on your priorities, and what jobs your dollars should be doing for you? If you've found yourself Rule Three'ing everything and rolling with the punches month after month, perhaps it is time to revisit your goals, reevaluate your priorities, and revise your budget accordingly. Send Jesse an email at: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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